Alliance Bank Visa Infinite Business Credit Card

Enjoy better cash flow and 56 days interest-free on purchases to make your business run. Your choice of cashback or reward points for the money spent.

Alliance Bank Visa Infinite Business Credit Card56 days interest free
Min. Income
Annual Fee
up to 1.5%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
56 days


Make every Ringgit you spend on company purchases and travel worth it by receiving monthly cashback of up to 1.5%. Enjoy higher cash back rebates when you spend more each month.

Cashback categoryCashback rateMonthly capSpend
All Retail0.2%RM20from RM1 up to RM10,000 monthly
All Retail0.5%RM950from RM10,001 up to RM200,000 monthly
All Retail0.8%RM800from RM200,001 up to RM300,000 monthly
All Retail1.5%RM5,250from RM300,001 up to RM650,000 monthly


Prefer the reward points more than cashback? You can opt to earn 1x Alliance Bank Timeless Bonus Points for each RM1 you spend locally and double the points on overseas spending.

Alliance Bank Timeless Rewards
2 points on every RM1on all overseas spending
1 point on every RM1on all local spending


Unwind and relax at VIP lounges at more than 300 cities worldwide while on business. Safe travels with complimentary travel insurance coverage of up to RM2 million and enjoy free access to over 850 airport VIP lounges around the world.

Travel CoverageSum Insured
Personal AccidentUp to RM2,000,000
Delayed FlightUp to RM2,000
Missed FlightUp to RM2,000
Lost LuggageUp to RM5,000
Delayed LuggageUp to RM2,000


Special privileges and exclusive discounts on dining, golfing, travel and shopping worldwide. Easy and convenient travel with VISA Infinite 24 / 7 concierge services, just a phone call away.

Easy Payment Plans

Stretch the repayments over 3 months with a special 0% interest p.a. instalment plan with Alliance Bank Business Credit Card FlexiPay. That's more cashflow when you need it most.

Fees & Charges

Annual Fee
  • RM800 primary card

    First year free

    Waived when you spend RM80,000 for subsequent years

Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 80%
Contact-less Payment Methods


Minimum Annual Income
Who can apply
  • Any Business


Easy Payment Plan


Alliance Bank Visa Infinite Business Credit Card - Cashback or Reward Points

Alliance Bank Visa Infinite Business Credit Card allows you to make choices on whether to earn cashback or reward points. 

Every Ringgit you spend on retail purchases is worthy of both options.

If you are in favour of cashback benefit, you can earn 0.2% cashback for purchases of up to RM10000. 

Yes, there's no minimum purchase required! 

If you spend between RM10001 and RM200000, you can enjoy 0.5% cashback, meanwhile, the cashback is 0.8% for the spending between RM200001 to RM300000. 

If you spend more than that, you can earn the highest cashback rate of 1.5%. 

However, the maximum cashback is capped at retail purchases of RM650000 per month. That simply means the maximum monthly cap is RM9750.

On the other hand, you can opt for Timeless Bonus Points (TBP) with no expiry date. 

For every Ringgit you spend on retail purchases locally, you can earn 1x Timeless Bonus Point. Besides that, you can earn double TBP for your retail purchases at overseas. 

Bear in mind that petrol and government-related expenses will not be rewarded with Timeless Bonus Points.

0% Interest Instalment

For your overseas business spending, you can opt to repay with zero interest with 0% Alliance Bank Business Credit Card FlexiPay Plan, provided that you are able to settle the outstanding dues in 3 months. 

The minimum spending required is RM500.

If you would like to pick longer repayment periods, you can opt for a 6-month repayment plan with the one-time upfront handling fee of 2.5%. 

Besides that, you can stretch your business spending repayment to 12 months with the one-time interest rate of 5.5% on the FlexiPay amount. 

The minimum purchase amount is RM500.

The one-time upfront interest rate will be charged on the first instalment month. 

Despite the FlexiPay Plan's low interest rate, it's better to make the repayment on time.

Otherwise, Alliance Bank will charge you 18%p.a. on the outstanding monthly instalment or the entire amount, depending on the decision from Alliance Bank.

Alliance Bank Visa Infinite Business Credit Card Eligibility

You can apply for the Alliance Bank Visa Infinite Business Credit Card with 2 options - personal or business liability.

If you choose to bundle the credit card with personal liability, the minimum annual income is RM150000 and you're required to operate your business for at least 2 years.

For business liability, on the other hand, the minimum annual turnover is higher at RM500000 with a minimum 3 years' business operation.

The Personal Liability Visa Infinite Business Credit Card gives you the minimum credit limit of RM30000 for up to RM300000. 

Meanwhile, the credit limit falls between RM25000 and RM500000 for the credit card with company liability.

Last but not least, the credit limit is subjected to credit evaluation and your repayment capacity.

Complimentary VIP Airport Lounge Access Around the World

As cardholders who travel frequently for business, you can enjoy 6x complimentary access to over 850 airport VIP lounges in more than 300 cities worldwide.

Please be noted that you can only enjoy this privilege for the first calendar year only. However, you can continue enjoying the privilege when you:

ConditionsComplimentary Airport Lounge Access
Spend min. cumulative RM150,000 (retail) in the current year12x access for the current & following year
Spend min. cumulative RM300,000 (retail) in the current yearUnlimited access for the current & following year

To view the latest lounge directories, please visit

Alliance Bank Visa Infinite Business Credit Card Finance Charge

What are the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

Finance charge is now based on the prevailing tiered interest rate (above) will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fess and Charges includes:

  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges

Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact, you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances of your Alliance Bank Visa Infinite Business Card are carried forward from the previous month's statement cycle are paid in full.